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Flexi Options

Our Flexi Options Home Loan puts you in control. It combines a fully featured home loan with all the benefits of a 100% offset account and lets you see at a glance what you owe and what you own because the offset balance is shown separately.

Key Features

Loan Purpose: To purchase or refinance an owner occupied residential property (Max LVR 95%) and investment properties (max LVR 80%).
Borrower Type: Available to borrowers providing full supporting documentation, evidence of income and for new loans only
Loan Term: 30 Years
Minimum Loan Amount: $250,000
Maximum Loan Amount: $2,500,000
Maximum LVR: 95%
Mortgage Insurance: $0 for any loan amount when the LVR is less than 80%. Otherwise payable by borrower.
Mortgage Insurance Capitalisation: Yes, you can add your LMI premium to your loan facility rather than paying it upfront. Restrictions apply.
Interest Calculation Calculated on the daily balance and debited monthly in arrears.

Other Features

Extra Repayments Yes
Redraw Facility Yes
Repayment Frequency Weekly, fortnightly or monthly.
Internet & Phone Banking Yes
Debit Card Yes
Interest Only Period Yes, up to 10 years. Minimise your repayments and free up cash by paying interest only.
Suitable for Overseas Borrowers: Yes
Suitable for Self Employed:
Additional Information: Refinances are capped at 90% LVR, although you can also add the Mortgage Insurance premium to your loan facility rather than paying it upfront.


Establishment Fees $150
Ongoing Fees $10 - Monthly
Valuation Fees 264
Discharge Fees $495
Lenders Legal Fees 330
Early Repayment Fees None
Redraw Fees Not Applicable
Can I make additional payments?

Yes. You can make additional repayments at any time, which means you can pay off your loan faster and save on interest costs.

Can I repay loan early?

Yes, you have the freedom to repay your loan in full at any time.

Can I split this loan?


Can the loan be used for building?


Can you have some fixed and some variable under this loan?

Yes, all or part of the loan can be converted to a fixed rate loan at any time.

Is Loan Portability available?

Yes, if you buy another home, you could keep the same loan and secure it against your new home.

Is Mortgage Insurance Capitalisation available?

Yes, you can add the cost of mortgage insurance to your loan rather than having to pay it upfront.  Restrictions do apply.

Is there a redraw facility?

Yes, this is available as required via phone and internet banking at no cost.

What is the repayment frequency

The repayment frequency can be weekly, fortnightly or monthly. Interest Only repayments can only be made monthly.

What other key features are available?

Internet and Telephone Banking & Debit Card.

Resi Home Loans - Owner Occupied Flexi Options Rates

Term Max. LVR Interest Rate P&I Comparison Rate Interest Rate IO Comparison Rate
Variable 95% 4.71% 4.88% n/a n/a
Variable 90% 4.06% 4.23% n/a n/a
Variable 80% 3.74% 3.91% 4.97% 5.13%
2yr Fixed 95% 4.09% 4.26% n/a n/a
3yr Fixed 95% 4.19% 4.36% n/a n/a

Resi Home Loans - Investment Flexi Options Rates

Term Max. LVR Interest Rate P&I Comparison Rate Interest Rate IO Comparison Rate
Variable 95% n/a n/a n/a n/a
Variable 90% 4.26% 4.42% 4.79% 4.96%
Variable 80% 3.99% 4.16% 4.39% 4.56%
2yr Fixed 95% 4.29% 4.36% n/a n/a
3yr Fixed 95% 4.39% 4.56% n/a n/a



What you need to know:
Terms and conditions, fees and charges, normal lending criteria apply. Details available on request.

Comparison rates are based on a loan of $150,000 over 25 years.

Warning: The comparison rate is true only for the example or examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. A comparison rate schedule can be found on our website.

When considering which is the best home loan for you, mortgage rates are indeed important but you also need to look at your overall situation and what flexibility you need as well as any related fees initial or ongoing fees.